Easy Ways to Spend Less on Rex Car Insurance

Saving money on Rex car insurance is hard for people who are new to shopping for insurance online. People have so many options that it can easily become a ton of work to find lower rates in Rex.

It's important to do rate comparisons once or twice a year due to the fact that insurance rates are constantly changing. Even if you think you had the best deal a year ago you may be paying too much now. Starting now, forget all the misinformation about car insurance because I'm going to teach you the proper way to remove unneeded coverages and save money.

Compare the Market for Car Insurance in Rex

Getting better car insurance pricing is a fairly straight forward process. You just have to take a couple of minutes comparing rate quotes provided by online insurance companies. This can be done in several different ways.

The first (and easiest) way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This form keeps you from doing repetitive form submissions for each company you want a rate for. Taking the time to complete one form will get you price quotes from multiple companies. It's definitely the quickest method.

A slightly less efficient method to get quotes online requires a visit to the website for each individual company and fill out their own quote form. For example, let's say you want rates from , and . To get each rate you have to visit each site to input your insurance information, which is why the first method is quicker. To view a list of companies in Rex, click here.

The hardest way of getting rate comparisons is to drive around to insurance agents' offices. The internet makes this process obsolete unless you want the professional advice that only a license agent can provide. Drivers can compare the best prices online and still use a local agent and you'll learn how to do that later.

It doesn't matter which method you choose, just double check that you are using identical coverage limits for each comparison quote. If you compare differing limits then you won't be able to determine the lowest rate in Rex.

Why some people pay less for insurance in Rex

It's important that you understand the rating factors that play a part in calculating the rates you pay for car insurance. Knowing what influences your rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

Where do you drive? - The higher the mileage driven every year the more you will pay for car insurance. Most companies charge to insure your cars based on their usage. Autos used primarily for pleasure use can get a lower rate than those used for commuting. Double check that your car insurance declarations sheet shows the correct usage for each vehicle, because it can save money.
Optional equipment can affect rates - Driving a car with a theft deterrent system can get you a discount on your car insurance. Theft prevention devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
Do you need those extra coverages? - There are quite a few extra bells and whistles that you can buy when buying car insurance. Coverages for roadside assistance, towing coverage and motor club memberships may be wasting your money. These coverages may sound good initially, but if you don't need them eliminate them to save money.
Rural vs Urban Areas - Being located in small towns and rural areas can be a good thing when talking about car insurance. Drivers in populated areas have to deal with much more traffic and longer commute times. Fewer people means fewer accidents and also fewer theft and vandalism claims.
Older drivers save more - Youthful drivers in Georgia have a tendency to be more careless in a vehicle so they pay higher car insurance rates. Mature drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations.
Your credit rating is important - Credit score is a big factor in your rate calculation. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with poor credit. So if your credit score is low, you could be paying less to insure your by spending a little time repairing your credit.
Performance makes a difference - The make and model of the car you own makes a huge difference in the rate you pay. The lowest base rates are usually for small economy passenger models, but the final cost of insurance is determined by many other factors.

Save big with these discounts

The price of auto insurance can be rather high, but you may find discounts to help bring down the price. Some discounts apply automatically when you purchase, but some must be specifically requested before being credited. If you're not getting every credit available, you're just leaving money on the table.

Save with a New Car - Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
Drivers Education - Require your teen driver to complete a driver education course if offered at their school.
Safety Course Discount - Successfully completing a defensive driving course could save 5% or more depending on where you live.
Auto/Life Discount - Some companies give a discount if you purchase life insurance.
College Student - Any of your kids who live away from home and don't have a car may qualify for this discount.

It's important to note that many deductions do not apply to the entire cost. Most cut specific coverage prices like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, you're out of luck. But any discount will bring down your overall premium however.

For a list of companies with discount car insurance rates in Georgia, click this link.

More information is available on the Georgia Insurance and Safety Fire Commissioner website found here. Visitors are able to file complaints about an insurance agent or broker, view a list of available companies, and discover disciplinary actions.

Other useful links include Auto Insurance 101 and this page where you can research Rex insurance agents.

And the best car insurance company is...

While you're price shopping online, make sure you don't reduce needed coverages to save money. In many instances, an insured dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. The ultimate goal is to purchase plenty of coverage at the best price.

Insureds leave their current company for a variety of reasons including delays in paying claims, extreme rates for teen drivers, delays in responding to claim requests and not issuing a premium refund. Whatever your reason, finding a new car insurance company is not as hard as you think.

Lower-priced car insurance is attainable both online and with local Rex insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not offer online quoting and most of the time these smaller companies sell through independent agents.